Winneshiek County property record for 509 E Water St, Decorah, IA 52101
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,544 sqft · built 1890 |
| Lot Size | 0.15 acres (6,519 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,280 (2026) |
| Deeds & Mortgages | Dec 2019 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 111531000500 |
| Primary APN | 111531000500 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,544 sqft Living Area |
| 1st Floor Area | 660 sqft |
| Basement Area | 165 sqft |
| Unfinished Basement | 165 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Foundation Type | Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,519 sqft (0.15 acres) |
| Lot Dimensions | 123 ft deep x 53 ft wide |
| Garage Type | Detached |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 100 sqft |
| Cooling System | None |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Electric |
| Water Source | Commercial |
| Street Address | 509 E WATER ST |
|---|---|
| City | DECORAH |
| State | IA |
| Zip | 52101-1925 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L 1 BLK 42 ORIG DEC |
| Legal Range | 08W |
| Legal Township | 98N |
| Legal Section | 15 |
| Legal Block | 42 |
| Jurisdiction | WINNESHIEK IA |
| Township / Civil Division | DECORAH |
| Census Block Group | 1 |
| Census Block | 1091 |
| Census Tract | 950200 |
509 E Water St is owned by an individual who acquired it in December 2019.
Source: Winneshiek County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 409 MOUND ST, 2, DECORAH, IA 52101-1509 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Dec 18, 2019 |
| Transfer Doc | 2019/3707 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | WINNESHIEK IA |
| Recording Date | Dec 18, 2019 |
| Property Address | 509 E WATER ST, DECORAH, IA 52101-1925 |
| Document Number | 2019/3707 |
| Book / Page | 2019 / 3707 |
| Instrument Date | Dec 18, 2019 |
| Instrument | 3707 |
| Transaction Type | Transfer |
| Record Updated | Sep 10, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
The 2026 property tax bill for 509 E Water St was $3,280.
Source: Winneshiek County assessment roll, as of October 21, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Winneshiek County |
| Municipality | Decorah City |
| Unified School District | Decorah Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,280.00 | $189,640 (-) Land $20,260 Building $169,380 | $189,640 (-) Land $20,260 Building $169,380 |
| 2025 | $3,280.00 (+5.6%) | $189,640 Land $20,260 Building $169,380 | $189,640 Land $20,260 Building $169,380 |
| 2024 | $3,106.00 | ||
| 2023 | $164,980 (+15.44%) Land $20,260 Building $144,720 | $164,980 Land $20,260 Building $144,720 | |
| 2022 | $2,978.00 | $142,910 Land $16,880 Building $126,030 | |
| 2021 | $142,910 Land $16,880 Building $126,030 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 509 E Water St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective February 21, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AH, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 24 policies |
| Nearby Flood Policies | 24 in force |
| Nearby Flood Claims | 4 (2016) |
| Claims Outside the SFHA | 3 of 4 |
| Most Recent Claim | Aug 2016 · Severe Storms, Straight-line Winds, And Flooding |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
The area around 509 E Water St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | DECORAH WATER DEPARTMENT serves 7,615 people · EPA ID IA9630012 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Lead | 9 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 517 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable | 1,000 / 50 |
| Nextlink Fixed Wireless | 100 / 20 |
May also be available: GigFire.
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